CPC G06F 21/316 (2013.01) [H04L 63/0838 (2013.01); H04L 63/126 (2013.01); H04L 2463/082 (2013.01)] | 26 Claims |
1. A method comprising:
identifying that a user is at a stage of accessing a service requiring user authentication comprising one or more factors of authentication by the user;
presenting a reference text for the user to type, wherein the reference text comprises a group of characters that is not a standard word, and wherein the reference text is chosen based on a risk associated with a type of service being accessed or is chosen to be tailored to the user;
receiving typing characteristics related to how the user types the reference text;
determining, based on the typing characteristics, whether the user is verified to yield a determination;
when the determination indicates that the user is verified, presenting a one-time password to the user on a user device; and
when the determination indicates that the user is not verified, transmitting the one-time password to the user device via a text or an email.
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